First Bank of Ohio: how it compares with its peers
Against 63 OH banks with half to twice its assets, First Bank of Ohio's strongest measure in Q2 2026 is net interest margin (5.72% vs. a 3.66% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $5.9M).
| Measure | First Bank of Ohio | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.96% | 0.89% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.72% | 3.66% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.07% | 72.36% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.9M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.36% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 43.07% is better than the 72.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Fairfield Federal Savings and Loan Association of Lancaster Lancaster, OH · $281M
- First Federal Bank of Ohio Galion, OH · $283M
- Community Savings Caldwell, OH · $285M
- The Fort Jennings State Bank Fort Jennings, OH · $286M
- The Apple Creek Banking Company Apple Creek, OH · $271M
- Peoples State Bank New Lexington, OH · $286M
Questions about First Bank of Ohio
How big is First Bank of Ohio?
First Bank of Ohio, established in 1873, is headquartered in Tiffin, OH. It reported $278M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Bank of Ohio's return on assets?
1.96% annualized in Q2 2026, against a 0.89% median for 63 OH banks with half to twice its assets, ahead of 95% of them.
What is First Bank of Ohio's efficiency ratio?
43.07% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 72.36%, and lower is better.
Is First Bank of Ohio growing its loans?
Net loans shrank 12.1% over the year to Q2 2026, while deposits shrank 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.